Budgeting and Savings Plans

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What will a budget do?

Creating and sticking to a budget will help you better understand your spending habits, identify where you are over-spending and ultimately organise a functional savings plan to give you more power over how your money is used.

When you take the time to review your spending and savings patterns you can pinpoint any left over money or funds that were otherwise ‘wasted’ on unnecessary items that can instead be put aside to assist you in reaching your goals sooner.

The team at Ethica love to organise budgets and seeing clients reach their savings goals. Talk to the team today by booking a complimentary initial consultation (value $440). Give us a call on (07) 5433 5577 or complete the form below.

Free 2 Hour Wealth CreationDiscovery Session

To get the best advice for your situation, make a free appointment with the team at Ethica and start to develop your own custom financial plan to meet your goals in life.

Setting a budget

When you have financial obligations and future aspirations reliant upon a fixed income, it is important to set and stick to a budget so that you can meet your requirements and achieve your goals. There are particular times in your life when reviewing your budget is important, for example:

When children are born

When children are ready to go to school

When you purchase a property or additional investments

When you plan for holidays

When you want to upgrade your cars

When your working circumstances change

The team at Ethica Private Wealth Specialists would love to help with your budget planning and invite you to a free consultation to discuss your goals further.

Contact us on (07) 5443 5577 or complete the form below.

Here is a guide to getting started with budgeting:

List all your fixed costs – the regular things that you must pay for like your mortgage, phone, insurance, groceries, school fees, car rego, petrol etc.

List all your non-fixed costs – may include meals at restaurants, new clothes etc.

List those out-of-the-blue costs that happen every now and again like holidays, car repairs, children’s birthday parties and dentist fees etc.

For one month, list everything you actually spend. This sounds boring and painful, but doing this will give you a clear understanding of what you actually spend your money on. Many people are surprised at how much they spend on little things.

Identify areas of spending where you can cut back in order to save more.

Work on sticking to your new budget.

The Ethica team can talk to you about the best ways to save and how to invest to build greater wealth.

Need help managing your money?

Our team of financial planners can work with you to find which strategies are the best for your situation and goals. Simply call us to arrange a complimentary initial consultation worth $440.

Want to know how you can improve your financial future?Completely Free and without Obligation.

what our clients say

I would highly recommend Michael and his team at Ethica. They are great to deal with. Ethica has helped me put in place a long-term wealth creation plan and have ensured that I understand and am comfortable with everything.

The team have been there for any and every question and query that I have had, and really provide a personalised service – thanks Michael and the whole Ethica Team!

Nicole Gibson

Brisbane, QLD

Hi Michael & Jen, many thanks for your time today & such a great discussion once again. You guys really don’t get enough accolades including from us, you deserve much more positive recognition for looking after everyone as individuals the way you do.

Everyone feels like they are the important one – the very reason we signed up with you in the first place Michael. Thank you.

Barry & Lisa O’Brien

Owners, O'Brien Painting Contractors

As busy business owners, finding time to build our wealth for a secure and worry-free retirement has been an ambition of ours since we hit the big Four-O! Fortunately for us we were introduced to the team at Ethica Private Wealth Specialists and from the initial consultation and subsequent visits we have developed a strong trust with the whole team.

With their professional and personalised service the Ethica team are working with us to ensure that our ambition for a safe and secure retirement is met. It is without hesitation that we recommend the Ethica Private Wealth team to you. They offer a whole package for wealth management and creation and we could not be happier with their honest, ethical and professional approach. We only wish we had met them 15 years ago.

Jo Miller

Co-Owner, SVS Auto Care

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General Advice Disclaimer

At Ethica, we understand that everyone's financial situation is unique - that’s why it’s important to note that information provided on this website is of a general nature only, and does not take into consideration your specific financial objectives, goals and requirements.

We try to keep things up to date, but cannot warrant the accuracy, completeness or currency of the information listed. As market conditions frequently change, past results of any product or service referenced is not indicative of future performance.

We believe our reputation speaks for itself, but understand that deciding on your financial future can be a little overwhelming, so we also encourage everyone to seek a second opinion through independent professional advice from other qualified expert finance advisers before making any decisions.

This website should not be relied upon as a substitute for specific financial advice and we invite you contact us for more information.